NOTICE OF PRIVACY PRACTICES

THIS NOTICE DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY
BE USED AND DISCLOSED, AND HOW YOU CAN GET ACCESS TO YOUR
INDIVIDUALLY IDENTIFIABLE HEALTH INFORMATION.

PLEASE REVIEW THIS NOTICE CAREFULLY.

This notice applies to the privacy practices of Coalition America, Inc., and its
affiliated covered entities (CAI/NPPN).

A. OUR COMMITMENT TO YOUR PRIVACY
CAI/NPPN is dedicated to maintaining the privacy of your protected health
information (PHI). In conducting our business, we will create records regarding you
and the services we provide to you. We are required by law to maintain
the confidentiality of health information that identifies you. We also are required by
law to provide you with this notice of our legal duties and the privacy practices that
we maintain in CAI/NPPN concerning your PHI. By federal and state law,
we must follow the terms of the notice of privacy that we have in effect at the time.

How we may use and disclose your PHI
Your privacy rights in your PHI
Our obligations concerning the use and disclosure of your PHI

The terms of this notice apply to all records containing your PHI that are created or
retained by CAI/NPPN. We reserve the right to change our privacy practices or
revise or amend this Notice of Privacy. Any revision or amendment to this notice
will be effective for all of your records that CAI/NPPN has created or maintained
in the past, and for any of your records that we may create or maintain in the
future. CAI/NPPN will post a copy of our current Notice in our office in a visible
location at all times, and you may request a copy of our most current Notice
at any time.

B. IF YOU HAVE QUESTIONS ABOUT THIS NOTICE, PLEASE CONTACT:
Coalition America, Inc.
Two Concourse Parkway
Suite 300
Atlanta, GA 30328

C. WE MAY USE AND DISCLOSE YOUR INDIVIDUALLY IDENTIFIABLE
PROTECTED HEALTH INFORMATION (PHI) IN THE FOLLOWING WAYS

1. Payment. CAI/NPPN may use and disclose your PHI for our payment-related
activities, for example, in order to bill and collect payment for the CAI/NPPN
services rendered or responding to appeals and grievances.
2. Healthcare Claims Operations. CAI/NPPN may use and disclose your PHI
to operate our business. For example, we may use and disclose your information
to track the progress of your healthcare claim through our system or to ensure
that your claim has been received from us by your insurance company.
3. Business Associates. CAI/NPPN may engage third parties to provide various
services for us and where those services involve the use or disclosure of your
PHI, we will have a written contract with that third party designed to to protect
the privacy of your PHI.
4. Disclosures Required By Law. Coalition America will use and disclose your
PHI when we are required to do so by federal, state or local law.

D. USE AND DISCLOSURE OF YOUR PHI IN CERTAIN SPECIAL
CIRCUMSTANCES

The following categories describe unique scenarios in which we may use or
disclose your identifiable health information:

1. Lawsuits and Similar Proceedings. We may use and
disclose your PHI in response to a court or administrative order, if you are
involved in a lawsuit or similar proceeding. We also may disclose your PHI
in response to a discovery request, subpoena, or other lawful process by
another party involved in the dispute, but only if we have made an effort to
inform you of the request or to obtain an order protecting the information
the party has requested.

2. Law Enforcement. We may release PHI if asked to do so by a law
enforcement official, for example, in response to a warrant, summons,
court order, subpoena or similar legal process in the public interest from
a court or government agency.

3. Military. We may disclose your PHI if you are a member
of U.S. or foreign military forces (including veterans) and if required by the
appropriate authorities.

4. National Security. We may disclose your PHI to federal
officials for intelligence and national security activities authorized by law.
We also may disclose your PHI to federal officials in order to protect the
President, other officials or foreign heads of state, or to conduct investigations.

5. Inmates. We may disclose your PHI to correctional
institutions or law enforcement officials if you are an inmate or under the
custody of a law enforcement official. Disclosure for these purposes would
be necessary: (a) for the institution to provide healthcare services to you,
(b) for the safety and security of the institution, and/or (c) to protect your
health and safety or the health and safety of other individuals.

6. Workers' Compensation. We may release your PHI for
workers' compensation and similar programs.

E. YOUR RIGHTS REGARDING YOUR PHI

You have the following rights regarding the PHI that we maintain about you:

1. Confidential Communications. You have the right to request that
CAI/NPPN communicate with you about your health claim and related issues.
You must make a written request to CAI/NPPN specifying the requested method
of contact, or the location where you wish to be contacted. We will accommodate
reasonable requests. You do not need to give a reason for your request.

2. Requesting Restrictions. You have the right to request we place a restriction in our
use or disclosure of your PHI for payment or other healthcare claim operations.
Additionally, you have the right to request that we restrict our disclosure of your
PHI to only certain individuals involved in your care or the payment for your care,
such as family members and friends. We are not required to agree to your request;
however, if we do agree, we are bound by our agreement except when otherwise
required by law, or in emergencies. In order to request a restriction in our use or disclosure
of your PHI, you must make your request in writing to CAI/NPPN. Your request must
describe in a clear and concise fashion: the information you wish restricted
whether you are requesting to limit CAI/NPPN's use, disclosure
or both and to whom you want the limits to apply

3. Inspection and Copies. You have the right to inspect and obtain a copy of
the PHI that may be used to make decisions about you. You must submit
your request in writing to CAI/NPPN in order to inspect and/or obtain a
copy of your PHI. We may charge a fee for the costs of
copying, mailing, labor and supplies associated with your request. We may deny your
request to inspect and/or copy in certain limited circumstances; however, we will
tell you the basis for our denial and you may request a review of our denial.

4. Amendment. You may ask us to amend your health information if
you believe it is incorrect or incomplete, and you may request an
amendment for as long as the information is kept by or for CAI/NPPN.
To request an amendment, your request must be made in writing and
submitted to us. You must provide us with a reason that
supports your request for amendment. Coalition America will deny your
request if you fail to submit your request (and the reason supporting
your request) in writing. Also, we may deny your request if you ask us
to amend information that is in our opinion:

(a) accurate and complete;
(b) not part of the PHI kept by or for us;
(c) not part of the PHI which you would be permitted to inspect and copy; or
(d) not created by CAI/NPPN, unless the individual or entity that
created the information is not available to amend the information.

5. Accounting of Disclosures. You have the right to request an accounting of
disclosures CAI/NPPN has made of your PHI, such as disclosures required by
law. In order to obtain an accounting of disclosures, you must
submit your request in writing. All requests for disclosures must state a time
period, which may not be longer than six (6) years from the date of disclosure
and may not include dates before April 14, 2003. The first list you request within
a 12-month period is free of charge, but CAI/NPPN may charge you for
additional lists within the same 12-month period. We will notify
you of the costs involved with additional requests, and you may withdraw your
request before you incur any costs.

6. Right to a Paper Copy of This Notice. You are entitled to receive a
paper copy of our notice of privacy. You may ask us to
give you a copy of this notice at any time. To obtain a paper copy of this
notice, contact CAI/NPPN.

7. Right to File a Complaint. If you believe your privacy rights have been
violated, you may file a complaint with CAI/NPPN or with the
Secretary of the Department of Health and Human Services. To file a
complaint with CAI/NPPN, contact us . All complaints
must be submitted in writing. You will not be penalized for filing a complaint.

8. Right to Provide an Authorization for Other Uses and Disclosures.
CAI/NPPN will obtain your written authorization for uses and
disclosures that are not related to this notice or permitted by applicable
law. Any authorization you provide to us regarding the use and disclosure
of your PHI may be revoked at any time in writing. After you revoke your
authorization, we will no longer use or disclose your PHI for the reasons
described in the authorization.